Poor Credit Mortgages

Self Employed Mortgages / Poor Credit

Sometimes people’s credit history isn’t perfect for a variety of reasons such as divorce, loss of job or illness. It may have resulted in you having a County Court Judgement (CCJ), defaults, missed payments or even bankruptcy registered against you and you may feel that you are not in a position to obtain a mortgage or remortgage your existing home.

Lenders are now able to take a much more flexible approach to how they view potential clients and their past credit history.

In fact lenders have been set up for this purpose and understand people can have times in their life when things don’t go perfectly.

“I was first introduced to Manchester Mortgages by a Family member in 2012. At the time our credit profile wasn’t perfect. Manchester Mortgages were able to find us a mortgage deal from a lender who would accept our application taking into account our past credit history. Manchester Mortgages kept us informed throughout the process and even after we moved into the property have always been at the end of the phone to answer our questions. We have since remortgaged and we are now with a High Street Bank meaning with have saved a significant amount of money each month. I have recommended Manchester Mortgages to friends and colleagues who I know have been equally as satisfied with the excellent service provided.”Rob & Nicola, Bolton

Manchester Mortgages has access to all these lenders and can HELP !

This is the time when you need a whole of market mortgage adviser who fully understands your situation and is able to match your requirements with the most appropriate lender to your particular circumstances.

We have over 25 years of experience dealing with clients whose credit profile may not be perfect and specialise in arranging mortgages for people with past credit problems.

We are able to meet with you at a time and place convenient to you at your home or your place of work.

We will get a full understanding of your situation, what you are wanting to achieve and then research the whole of the market and make a full recommendation of how you should deal with the situation.

Once we have mutually decided and agreed the best way forward and you are ready to make a mortgage application we will help you complete the paperwork required and liaise with other parties involved in the process.

We will keep you fully informed how your mortgage application is progressing until completion and encourage you to ask any questions you may have.

We will also provide you with advice on how to protect your mortgage and mortgage payments should the worst happen.

Poor Credit? – Get our Free eBook – We know getting a mortgage can be a stressful and complicated business, so we’ve produced this handy 8 page guide to help you understand the mortgage borrowing process. Written in a simple and easy to understand manner, we explain:

How to determine how much money you can borrow

What criteria lenders use to asses your application

Notes for self-employed, company directors, or people with poor credit histories

The overall cost for comparison is 5.39%. The actual rate available will depend upon your circumstances. Ask for a personalised illustration.

Manchester Mortgages is a trading name of Mortgages 4U (North West ) Limited which is authorised and regulated by the Financial Conduct Authority (FCA register number 301076).Registered in England & Wales No. 4729252. Registered office: Suite 8 Moorfield House, 2a Moorside Road, Swinton, Manchester M27 0EWYour home or property may be repossessed if you do not keep up repayments on your mortgage.

Customer Reviews

I can not recommend Manchester Mortgages enough, from our very first mortgage to our remortgage everything was done so efficiently. No question was a stupid question for Andy he explained everything we needed and constantly kept us updated through out both processes. Literally helped us so much. Thank you again Ash & Jessread more

We dealt with Alan Dee at Manchester Mortgages and I am glad we chose to go with this mortgage broker. I wasn't expecting everything to happen so so fast, which it did. Alan processed everything quickly and efficiently, and he always kept us up to date in regards to what stage we were at with the mortgage process. I'm not thinking of getting a mortgage after this in the future, but if I was to, I would definitely be going back to Manchester Mortgages. Thank you very much for your brilliant service, Alan!read more

Cannot recommend Andrew Butterworth enough. He helped us every step of the way and answered all our questions no matter how silly we thought they were. Would not hesitate to recommend them to anyone. Thank you Andrew for everything.

Manchester Mortgages have been great we didnt think we would get a mortgage but Andrew helped us to achieve this. Andrew as been great all the way through the process and has even helped sort out our life insurance and building and contents insurance. Nothing is too much trouble for him. Would definitely recommend this company.read more

Alan has made the impossible possible for paul and I. We had contacted several mortgage brokers to no avail until Alan was recommended to us. We are so glad we asked for his expertise and services because we are due to complete on the house of our dreams in 4 weeks time with a mortgage offer for much more than we ever thought possible. Thank you so much Alan we will be recommending you to anyone and everyone. Paul and Jordanread more

I was recommended Alan Dee at Mortgages 4U by a friend. He was really quick every time I contacted him to answer. I took my time ot think about things and he wasn't at all pushy, just allowed everything to work in my time and was quick when I was ready to move forward. There was no hassle with getting it sorted - he pretty much sorted everything for me. I'd certainly recommend him to others. Thanks!read more

I dealt with Andrew from Manchester Mortgages. As a First time buyer, I didn't have a clue about mortgages. Andrew was extremely knowledgeable, speedy and efficient. Nothing was too much of an ask. He made the mortgage process an easy one! I now have a mortgage in place thanks to Andrew. I am so happy I decided to use Manchester Mortgages and I would recommend them to anyone!read more